@Martin Zavala this is a common problem growing landlords have.Placing your first few rental properties with the company that insures your home and auto is a great place to start off and find decent coverage at an affordable price. 

Also I would suggest you trying to see if there are any Bigger Pockets members in your area who can tell you what they would do for that kind of situation.

Hello Bob,I know this post is kind of old but PM me if your still looking for an Realtor.

Go the FHA 203k route and build equity in the home, refinance after the loan seasons, and if you invest right, the total cash into the deal will be low (commonly called the BRRR method).

-When you do get them what type of work do you commonly get them for?

Although for a small property you may not have common water utilities like pool, laundry, etc , though you may have lawn irrigation.e.g.

This is why, you commonly see buildings not only crushing the 1% rule in St Louis, but even crushing the 1.5% rule. if it was this easy to make money in St Louis, everyone in the world would be buying in St Louis.

It's kind of like comparing apples to oranges, each loan is different depending on the terms, what matters is what works best for you.

This is a common problem.

I'm the one who wanted to get "playful in the dark" but as I expressed earlier, my common sense kicked in.